Confirmation Order woot!

[tigergem]

Mr. T emailed me his signed copy of my confirmation order. He says if the judge signs it before Wednesday that I won't even have to show up for the confirmation hearing, but he said that I can come to court if I want to to watch the proceedings. Which I do, very much want to do.

[AngelinaCat]

Hi tg: It is always a good idea to be in court, just to see what goes on--even if you are told you don't need to be there. You never know.... That has been our experience.

I hope everything goes well, and I do wish you well.

[lrprn]

Although we didn't have to go to our confirmation hearing, we asked if we could and our lawyer said sure. In our bk court, the Ch 13 confirmation hearing we attended was *very* different than our 341 meeting....reminded me of a "good old boys" club meeting more than anything else.

All the bk lawyers and our trustees knew each other well and were discussing families, golf games, weekend plans....you name it. Once the judge came in, it got more business-like, but there were still some 'insider' cracks and jokes here and there. I thought it was fascinating!

[MSbklawyer]

Mr. T emailed me his signed copy of my confirmation order.

Heartfelt congratulations. Now, just make those monthly payments.

[StartingOver08]

Congratulations! Great job filing Ch 13 pro se....

[mtbc]

Congratulations! Have fun in court. (-:

[justbroke]

tiger... first, a very very very well done job for getting confirmed in TXEB! I hear it's difficult for a Pro Se filer to do so!

All the bk lawyers and our trustees knew each other well and were discussing families, golf games, weekend plans....you name it. Once the judge came in, it got more business-like, but there were still some 'insider' cracks and jokes here and there. I thought it was fascinating!

My favorite was when the Ford Motor Credit attorney came into the courtroom, and one of the debtor attorneys called him "creditor scum attorney". They all laughed and started talking about vacations.

[tigergem]

Heartfelt congratulations. Now, just make those monthly payments.

I'm nearly a full month ahead on my payments! :-) And... I paid my fee installment off a month early as well. :-)

I really want to meet these guys! My trustee and my judge, I mean. Or at least put a face to the names, even if I don't get a chance to shake their hands and thank them.

[tigergem]

YES! It's finally in PACER! My confirmation order was signed by the judge on the 1st!

[tigergem]

tiger... first, a very very very well done job for getting confirmed in TXEB! I hear it's difficult for a Pro Se filer to do so!

Yeah, that is what I have heard too. Mr. T said I am the first pro se filer to get confirmed in this district since BAPCA. But honestly, truly, as helpful as the judge and the court clerks have been, I don't understand why it is so difficult. And you can't blame pro se difficulties on the trustee because he is new! Well, I am really looking forward to meeting these guys tomorrow. They have been so good to me I want to thank them, if I get the chance.

[justbroke]

It's difficult because many Pro Se filers don't have the first clue about filing a Chapter 13 Plan of Reorganization that a.) is of the correct form for that District, b.) that the Trustee agrees with, and c.) is feasible.

Chapter 13 Plans are no joke. They are actually contracts which sets the terms of the Chapter 13 Reorganization. What you put into your provisions, for example, can cause you great pain in the future or help you out. While some Districts have boiler plate language that's included in the Confirmation Order, the language in the Plan sticks as well, so long as it doesn't conflict with the Confirmation Order. The Confirmation Order always prevails.

[tigergem]

It's difficult because many Pro Se filers don't have the first clue about filing a Chapter 13 Plan of Reorganization that a.) is of the correct form for that District, b.) that the Trustee agrees with, and c.) is feasible.

Chapter 13 Plans are no joke. They are actually contracts which sets the terms of the Chapter 13 Reorganization. What you put into your provisions, for example, can cause you great pain in the future or help you out. While some Districts have boiler plate language that's included in the Confirmation Order, the language in the Plan sticks as well, so long as it doesn't conflict with the Confirmation Order. The Confirmation Order always prevails.

Well yeah, it's a given that Chapter 13 is no cake walk, but I would think that would be so in any district, not just this one. Nobody, anywhere, should take on a Chapter 13 unless they "get it". Not just here. But I surely would hate to be doing a Pro Se 13 in a less friendly district!

But, yeah, I read somewhere not too long ago that in 88% of pro se filings, (not just BK) judges cite failure to understand or follow procedure as the biggest problem within the judicial system.

It's too bad the court system doesn't come with a flow-chart of procedures... or something like a Chilton's manual for law.

I am really happy with my Plan. I got my secured debt at the valuation I asked for, my Till rate, my little tax liability taken care of, and less than 1% payout to the unsecured portion. It's just a little bit of a squeeze on the budget, but I am not paying more than I wanted to pay, and have the wiggle room I need in case of emergencies. I don't have to deny myself stuff that I want or need, I just have to plan better for certain purchases. The Trustee made me write in some provisions into the Confirmation Order that I wasn't absolutely thrilled about, but I can live with it. It's all good.

Somebody wrote in another thread, that if the Trustee didn't object to the Plan, that meant you left money on the table. But I don't think I did. I think I just nailed it dead on in terms of feasibility and the payouts. None of my unsecured creditors gets a payout until the 60th month. And when I tried to reduce my plan payment by $1.00 per month from what it actually is, I got a little red warning flag in the program I was using that priority and secured claims were not fully funded.